Hello, Lyla. You have posted an interesting topic. I hope it generates a lot of comments.
As a hetero male who has never been examined by a female doctor, my experience is limited to experience with several female med techs, most notably a young woman who performed an ultrasound of my scrotum.
My reactions to that situation are a little difficult to assess, let alone describe. Prior to the exam, I was apprehensive about the experience being dreadfully embarrassing. I also thought that the humiliation would likely be erotic, at least, after the fact. When I was being taken back to the exam room, I was almost panicky imagining the attractive young lady escorting me was shortly going to be viewing and fiddling about with my boy bits. That was the height of the experience. To make a long story short, the procedure was done so that only my scrotum was ever exposed, the technician did not once touch me directly and she had as much interest in my balls as she would have a frog in biology class. For most of the exam, she was concentrating on the screen as she moved the wand around over my scrotum trying to get a good image. Lying there, I thought I should find this naughty but it just is not.
In retrospect, I do find the memory of the experience slightly erotic. I thought my wife might find it erotic but she seemed to have no interest at all.
So, for me, like you, it is about the fantasy more than the reality.